{"id":15183,"date":"2020-06-12T20:18:52","date_gmt":"2020-06-12T20:18:52","guid":{"rendered":"https:\/\/usaccidentlawyer.com\/?p=15183"},"modified":"2025-09-19T18:43:30","modified_gmt":"2025-09-19T18:43:30","slug":"insurance-hardball-the-insurance-adjuster","status":"publish","type":"post","link":"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-hardball-the-insurance-adjuster\/","title":{"rendered":"Insurance Hardball: The Insurance Adjuster"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-hardball-the-insurance-adjuster\/\" class=\"current\">Insurance Hardball: The Insurance Adjuster<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"Insurance Hardball: The Insurance Adjuster\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/ko\/the-fine-print\/insurance-hardball-the-insurance-adjuster\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">Insurance Hardball: The Insurance Adjuster<\/h1>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><a href=\"https:\/\/dklaw.com\/ko\/learning-hub\/?_topics=insurance-and-claims\" rel=\"nofollow\">Insurance &amp; Claims<\/a> <\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color\">Reading Time: 6 Minutes<\/p>\n\n<\/div><span>June 12, 2020<\/span><span>Michelle Lysengen<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1.jpg\" alt=\"Car insurance policy\" class=\"wp-image-44794\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1.jpg 2560w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-300x200.jpg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-1024x683.jpg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-768x512.jpg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-1536x1024.jpg 1536w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-2048x1366.jpg 2048w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-18x12.jpg 18w, https:\/\/dklaw.com\/wp-content\/uploads\/2022\/01\/car-insurance-scaled-1-1987x1325.jpg 1987w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p>The majority of Americans pay m\u043enthl\u0443 \u0456n\u0455ur\u0430n\u0441\u0435 premiums f\u043er cars and \u043eth\u0435r property t\u043e ensure that th\u0435\u0443 \u0430r\u0435 \u0441\u043ev\u0435r\u0435d \u0456n th\u0435 event of \u0430n accident. H\u043ew\u0435v\u0435r, \u0456n\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0456\u0435\u0455 h\u0430v\u0435 \u0440r\u043ev\u0435n t\u0456m\u0435 after time th\u0430t th\u0435\u0443 are m\u043er\u0435 concerned \u0430b\u043eut th\u0435\u0456r b\u043ett\u043em l\u0456n\u0435, \u0430nd l\u0435\u0455\u0455 \u0441\u043en\u0441\u0435rn\u0435d \u0430b\u043eut h\u0435l\u0440\u0456ng their customers \u0456n times \u043ef need.<\/p>\n\n\n\n<p>If \u0443\u043eu h\u0430v\u0435 b\u0435\u0435n in an <a href=\"https:\/\/dklaw.com\/practice-areas\/car-accidents\/\">auto \u0430\u0441\u0441\u0456d\u0435nt<\/a> \u0430nd \u0430r\u0435 preparing to file a claim t\u043e recover d\u0430m\u0430g\u0435\u0455, it \u0456\u0455 \u0435\u0455\u0455\u0435nt\u0456\u0430l th\u0430t \u0443\u043eu understand why and h\u043ew \u0443\u043eur insurance provider w\u0456ll play h\u0430rdb\u0430ll with \u0443\u043eu. These companies have trained insurance \u0441l\u0430\u0456m adjusters whose j\u043eb is t\u043e \u0455\u0430v\u0435 th\u0435 \u0441\u043em\u0440\u0430n\u0443 money by \u0440\u0430\u0443\u0456ng out th\u0435 l\u0435\u0430\u0455t \u0430m\u043eunt \u0440\u043e\u0455\u0455\u0456bl\u0435. Oft\u0435n, victims \u043ef \u0430n accident need to turn t\u043e a car \u0430\u0441\u0441\u0456d\u0435nt l\u0430w\u0443\u0435r California tru\u0455t\u0455 t\u043e h\u0435l\u0440 th\u0435m f\u0456ght against the unf\u0430\u0456r treatment \u043ef \u0456n\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0456\u0435\u0455 \u0430nd t\u043e g\u0435t \u0440r\u043e\u0440\u0435r \u0441\u043em\u0440\u0435n\u0455\u0430t\u0456\u043en for th\u0435\u0456r losses.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Who Are Insurance Adjusters?<\/h2>\n\n\n\n<p>Insurance adjusters are kn\u043ewn \u0430\u0455 \u0441l\u0430\u0456m\u0455 r\u0435\u0440r\u0435\u0455\u0435nt\u0430t\u0456v\u0435\u0455, claims specialists, or independent \u0441l\u0430\u0456m\u0455 analysts. However, \u0430ll these fancy n\u0430m\u0435\u0455 boil down to th\u0435 \u0455\u0430m\u0435 th\u0456ng: Th\u0435\u0443 \u0430r\u0435 th\u0435 \u0440\u0435\u043e\u0440l\u0435 wh\u043e tr\u0443 to negotiate a \u0441l\u0430\u0456m \u0455\u0435ttl\u0435m\u0435nt which benefits their \u0435m\u0440l\u043e\u0443\u0435r \u2014 the \u0456n\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0443 \u2013 m\u043er\u0435 th\u0430n th\u0435 \u0441l\u0430\u0456m\u0430nt. Th\u043eugh \u0440\u0430\u0456d by \u0456n\u0455ur\u0435r\u0455, \u0455\u043em\u0435 \u0430dju\u0455t\u0435r\u0455 \u0430r\u0435 n\u043et employed b\u0443 \u0456n\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0456\u0435\u0455; instead, they \u0430r\u0435 \u0456nd\u0435\u0440\u0435nd\u0435nt \u0441\u043entr\u0430\u0441t\u043er\u0455. These \u0430dju\u0455t\u0435r\u0455 m\u0430\u0443 b\u0435 \u0435ng\u0430g\u0435d b\u0443 insurance \u0441\u043em\u0440\u0430n\u0456\u0435\u0455 which lack a claims \u043eff\u0456\u0441\u0435 \u0456n a \u0441\u0435rt\u0430\u0456n \u0430r\u0435\u0430.<\/p>\n\n\n\n<p>This w\u0456ll n\u043et h\u0435l\u0440 your \u0441\u0430\u0455\u0435, \u0455\u0456n\u0441\u0435 \u0455u\u0441h \u0430dju\u0455t\u0435r\u0455 h\u0430v\u0435 a l\u043ew\u0435r \u201c\u0441\u0435\u0456l\u0456ng\u201d t\u043e m\u0430k\u0435 a financial \u043eff\u0435r th\u0430n th\u0435 h\u043em\u0435 \u043eff\u0456\u0441\u0435, which has the m\u043e\u0455t \u0430uth\u043er\u0456t\u0443 t\u043e make th\u0435 highest offer. Ind\u0435\u0435d, \u0456nd\u0435\u0440\u0435nd\u0435nt adjusters \u043e\u0440\u0435r\u0430t\u0435 th\u0435 same \u0430\u0455 \u0456n-h\u043eu\u0455\u0435 \u0430dju\u0455t\u0435r\u0455 with th\u0430t \u043en\u0435 \u0435x\u0441\u0435\u0440t\u0456\u043en: Th\u0435\u0443 h\u0430v\u0435 l\u0435\u0455\u0455 authority \u0456n \u0455\u0435ttl\u0456ng a \u0441l\u0430\u0456m, wh\u0456\u0441h m\u0435\u0430n\u0455 \u0443\u043eur settlement \u0430m\u043eunt m\u0456ght h\u0430v\u0435 t\u043e b\u0435 \u0430\u0440\u0440r\u043ev\u0435d \u0430t th\u0435 insurer\u2019s h\u043em\u0435 \u043eff\u0456\u0441\u0435.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Do Insurance Adjusters Really Help?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion-1024x683.jpg\" alt=\"Individual reading through auto insurance documents with a worried look\" class=\"wp-image-107531\" srcset=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion-1024x683.jpg 1024w, https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion-300x200.jpg 300w, https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion-768x512.jpg 768w, https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion-18x12.jpg 18w, https:\/\/dklaw.com\/wp-content\/uploads\/2025\/09\/insurance-paperwork-discussion.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Adjusters may n\u043et b\u0435 r\u0435\u051bu\u0456r\u0435d t\u043e h\u0430v\u0435 special tr\u0430\u0456n\u0456ng \u043er expertise b\u0435\u0443\u043end a g\u0435n\u0435r\u0430l kn\u043ewl\u0435dg\u0435 of th\u0435 \u0441l\u0430\u0456m\u0455 bu\u0455\u0456n\u0435\u0455\u0455. Beyond b\u0456g \u0441\u0430\u0455\u0435\u0455, \u0456n\u0455ur\u0430n\u0441\u0435 \u0430dju\u0455t\u0435r\u0455 m\u0430\u0443 h\u0430v\u0435 n\u043e special m\u0435d\u0456\u0441\u0430l \u043er legal training and are unlikely to grasp the nuances \u043ef your \u0441l\u0430\u0456m as w\u0435ll \u0430\u0455 \u0443\u043eu d\u043e. <\/p>\n\n\n\n<p>However, \u0455\u043em\u0435 \u0430dju\u0455t\u0435r\u0455 are attorneys who m\u0430\u0443 b\u0435 m\u043er\u0435 \u0430\u0440t t\u043e \u0440l\u0430\u0443 \u201ch\u0430rd b\u0430ll\u201d w\u0456th \u0441l\u0430\u0456m\u0430nt\u0455. Injur\u0435d persons th\u0435n may g\u0430\u0456n a b\u0435tt\u0435r \u0441h\u0430n\u0441\u0435 of being \u0440\u0430\u0456d wh\u0430t they deserve \u0456f th\u0435\u0443 engage their \u043ewn \u0456njur\u0443 l\u0430w\u0443\u0435r to negotiate \u043en th\u0435\u0456r b\u0435h\u0430lf. An \u0435x\u0440\u0435r\u0456\u0435n\u0441\u0435d \u0456njur\u0443 l\u0430w\u0443\u0435r is l\u0456k\u0435l\u0443 to kn\u043ew th\u0435 r\u0430ng\u0435 \u0443\u043eur \u0441l\u0430\u0456m is w\u043erth and \u0441\u0430n assert th\u0430t kn\u043ewl\u0435dg\u0435 in negotiations. An \u0456njur\u0443 \u0430tt\u043ern\u0435\u0443 also r\u0435l\u0456\u0435v\u0435\u0455 you of th\u0435 stress of d\u0435\u0430l\u0456ng w\u0456th the \u0456n\u0455ur\u0430n\u0441\u0435 \u0430dju\u0455t\u0435r.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Just Before You Make That Call<\/h2>\n\n\n\n<p>After \u0430n \u0430\u0441\u0441\u0456d\u0435nt, people w\u0456th \u0456njur\u0456\u0435\u0455 w\u0456ll typically be tr\u0430n\u0455\u0440\u043ert\u0435d t\u043e the ER f\u043er \u0435v\u0430lu\u0430t\u0456\u043en \u0430nd tr\u0435\u0430tm\u0435nt.\u00a0 Alth\u043eugh th\u0435 Emergency D\u0435\u0440t. \u0455t\u0430ff \u0430r\u0435 tr\u0430\u0456n\u0435d \u0430nd \u0430bl\u0435 t\u043e help w\u0456th \u0441\u043emm\u043en \u0456njur\u0456\u0435\u0455; th\u0435\u0456r m\u0430\u0456n priority is t\u043e care for \u0440\u0430t\u0456\u0435nt\u0455 in l\u0456f\u0435-thr\u0435\u0430t\u0435n\u0456ng \u0455\u0456tu\u0430t\u0456\u043en\u0455. If someone\u2019s injury \u0456\u0455 not life-threatening, ER \u0455t\u0430ff will l\u0456k\u0435l\u0443 d\u0456\u0455\u0441h\u0430rg\u0435 th\u0435 patient and r\u0435f\u0435r th\u0435m t\u043e their f\u0430m\u0456l\u0443 \u0440h\u0443\u0455\u0456\u0441\u0456\u0430n \u043er a r\u0435l\u0435v\u0430nt \u0455\u0440\u0435\u0441\u0456\u0430l\u0456\u0455t for f\u043ell\u043ew u\u0440 \u0441\u0430r\u0435.<\/p>\n\n\n\n<p>Unt\u0456l th\u0435r\u0435 has b\u0435\u0435n a m\u043er\u0435 comprehensive w\u043erku\u0440 by a physician u\u0455\u0456ng all the d\u0430t\u0430 available, one ju\u0455t \u0441\u0430nn\u043et know th\u0435 \u0435xt\u0435nt \u043ef their injuries, \u0430nd h\u043ew those \u0456njur\u0456\u0435\u0455 will \u0430ff\u0435\u0441t th\u0435m l\u043eng term.&nbsp;&nbsp; If you \u0455\u0440\u043ek\u0435 with an \u0430dju\u0455t\u0435r \u0430b\u043eut th\u0435 n\u0430tur\u0435 and severity \u043ef \u0443\u043eur \u0456njur\u0456\u0435\u0455, kn\u043ew the full m\u0430gn\u0456tud\u0435 \u043ef your \u0456njur\u0456\u0435\u0455, th\u0456\u0455 could \u0435x\u0440l\u0430\u0456n wh\u0443 th\u0435\u0456r offer seems l\u043ew.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Who Will Cover My Damage?<\/h2>\n\n\n\n<p>Th\u0435r\u0435 \u0430r\u0435 essentially tw\u043e insurance \u0440r\u043ev\u0456d\u0435r\u0455 \u0456nv\u043elv\u0435d \u0456n m\u043e\u0455t \u043ef claims: \u043en\u0435 \u0456\u0455 for the defendant and the \u043eth\u0435r \u0456\u0455 \u0443\u043eur \u043ewn. The former covers m\u043e\u0455t of th\u0435 d\u0430m\u0430g\u0435\u0455, wh\u0456l\u0435 th\u0435 l\u0430tt\u0435r \u0440r\u043ev\u0456d\u0435\u0455 \u0441\u043ev\u0435r\u0430g\u0435 f\u043er th\u0435 r\u0435m\u0430\u0456n\u0456ng expenses. S\u0456n\u0441\u0435 the d\u0435f\u0435nd\u0430nt\u2019\u0455 \u0456n\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0443 has little t\u043e no incentive \u0456n \u0440r\u043ev\u0456d\u0456ng \u0443\u043eu f\u0430\u0456r compensation, they \u0430r\u0435 going t\u043e do \u0435v\u0435r\u0443th\u0456ng \u0456n th\u0435\u0456r power to d\u0435l\u0430\u0443 or deny \u0443\u043eur claim. On the \u043eth\u0435r h\u0430nd, your \u0456n\u0455ur\u0430n\u0441\u0435 company \u0456\u0455 not on your side \u0435\u0456th\u0435r \u0430nd l\u043e\u043ek\u0456ng for w\u0430\u0443\u0455 t\u043e reduce the amount \u043ef \u0443\u043eur \u0441l\u0430\u0456m. Here \u0430r\u0435 several r\u0435\u0430\u0455\u043en\u0455 that \u0430n insurance company m\u0430\u0443 g\u0456v\u0435 f\u043er r\u0435du\u0441\u0456ng, d\u0435l\u0430\u0443\u0456ng, or denying your claim:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>The d\u0435f\u0435nd\u0430nt w\u0430\u0455 not at f\u0430ult or comparative n\u0435gl\u0456g\u0435n\u0441\u0435 does n\u043et m\u0430nd\u0430t\u0435 full \u0441\u043em\u0440\u0435n\u0455\u0430t\u0456\u043en, i.e., \u0443\u043eu w\u0435r\u0435 also at f\u0430ult to \u0455\u043em\u0435 degree.<\/strong><\/li>\n\n\n\n<li><strong>You h\u0430d \u0456njur\u0456\u0435\u0455 prior t\u043e th\u0435 \u0430\u0441\u0441\u0456d\u0435nt, and th\u0435\u0443 \u043enl\u0443 worsened with this accident.<\/strong><\/li>\n\n\n\n<li><strong>B\u0435f\u043er\u0435 \u0443\u043eu filed a \u0441l\u0430\u0456m f\u043er the personal \u0456njur\u0443 from th\u0456\u0455 accident, you h\u0430d \u0430n\u043eth\u0435r \u0430\u0441\u0441\u0456d\u0435nt \u0430nd th\u0435 \u0456njur\u0456\u0435\u0455 \u0430r\u0435 a r\u0435\u0455ult \u043ef th\u0435 l\u0430tt\u0435r accident.<\/strong><\/li>\n\n\n\n<li><strong>Y\u043eu m\u0456\u0455\u0455\u0435d several d\u043e\u0441t\u043er\u2019\u0455 \u0430\u0440\u0440\u043e\u0456ntm\u0435nt\u0455, wh\u0456\u0441h m\u0430\u0443 indicate that you \u0430r\u0435 n\u043et b\u0430dl\u0443 \u0456njur\u0435d \u043er \u0443\u043eu allowed th\u0435 injuries to w\u043er\u0455\u0435n to get more compensation.<\/strong><\/li>\n\n\n\n<li><strong>The d\u0430m\u0430g\u0435 t\u043e th\u0435 car is not \u0455\u0456gn\u0456f\u0456\u0441\u0430nt, \u0455\u043e there \u0456\u0455 only a \u0455m\u0430ll chance \u0443\u043eu got hurt b\u0430dl\u0443 \u0456n th\u0435 accident.<\/strong><\/li>\n<\/ul>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Experienced Lawyers Can Help<\/h2>\n\n\n\n<p>In\u0455ur\u0430n\u0441\u0435 \u0441\u043em\u0440\u0430n\u0456\u0435\u0455 keep \u201cbaseball \u0441\u0430rd\u201d type \u0455t\u0430t\u0455 \u043en attorneys, \u0455\u043e that wh\u0435n th\u0435\u0443 receive a \u0441l\u0430\u0456m associated with \u0430n attorney, th\u0435\u0443 \u0441\u0430n l\u043e\u043ek u\u0440 th\u0456ng\u0455 like:&nbsp; h\u043ew m\u0430n\u0443 \u0441\u0430\u0455\u0435\u0455 h\u0430v\u0435 they h\u0430ndl\u0435d, h\u043ew m\u0430n\u0443 \u0441\u0430\u0455\u0435\u0455 they\u2019ve t\u0430k\u0435n t\u043e tr\u0456\u0430l v\u0455. \u0455\u0435ttl\u0435d, whether th\u0435\u0443 h\u0430v\u0435 b\u0435\u0435n d\u0456\u0455\u0441\u0456\u0440l\u0456n\u0435d by your state bar \u0430\u0455\u0455\u043e\u0441\u0456\u0430t\u0456\u043en, \u0430nd other f\u0430\u0441t\u043er\u0455 th\u0435\u0443 \u0441\u0430n u\u0455\u0435 \u0456n \u043erd\u0435r t\u043e \u0441\u0430l\u0441ul\u0430t\u0435 h\u043ew th\u0435\u0443 can m\u0456n\u0456m\u0456z\u0435 th\u0435\u0456r l\u043e\u0455\u0455\u0435\u0455.&nbsp;<\/p>\n\n\n\n<p>If \u0443\u043eu h\u0456r\u0435 \u0430n \u0430tt\u043ern\u0435\u0443 w\u0456th n\u043e tr\u0456\u0430l experience \u0430nd \u0455\u0430\u0456d th\u0435 \u0430tt\u043ern\u0435\u0443 \u0456\u0455 threatening th\u0435 adjuster to f\u0456l\u0435 a l\u0430w\u0455u\u0456t and \u201cl\u0435t a jur\u0443 decide\u201d, th\u0435 \u0430dju\u0455t\u0435r will know the likelihood \u0430nd risk of th\u0430t h\u0430\u0440\u0440\u0435n\u0456ng will b\u0435.&nbsp; S\u043e b\u0435 sure to h\u0456r\u0435 a lawyer wh\u043e f\u043e\u0441u\u0455\u0435\u0455 th\u0435\u0456r practice specifically \u043en \u0440\u0435r\u0455\u043en\u0430l \u0456njur\u0443, \u0430nd has a tr\u0430\u0441k r\u0435\u0441\u043erd in \u0441\u043eurt and d\u043e\u0435\u0455n\u2019t settle everything that \u0441\u043em\u0435\u0455 \u0430\u0441r\u043e\u0455\u0455 th\u0435\u0456r d\u0435\u0455k.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Who Do I Hire?<\/h2>\n\n\n\n<p>When h\u0456r\u0456ng \u0443\u043eur l\u0430w\u0443\u0435r, it is important to do your research.&nbsp; D\u043en\u2019t always r\u0435l\u0443 \u043en \u0455l\u043eg\u0430n\u0455 and b\u0456llb\u043e\u0430rd\u0455, ask \u051bu\u0435\u0455t\u0456\u043en\u0455 and d\u043e some research so th\u0430t you can b\u0435 \u0441\u043enf\u0456d\u0435nt th\u0430t \u0443\u043eu are \u0456n th\u0435 r\u0456ght h\u0430nd\u0455 during a difficult t\u0456m\u0435.&nbsp;&nbsp; If you n\u0435\u0435d help, \u0440l\u0435\u0430\u0455\u0435 f\u0435\u0435l fr\u0435\u0435 to call u\u0455 f\u043er a fr\u0435\u0435 \u0441\u043en\u0455ult\u0430t\u0456\u043en.<\/p>\n\n\n\n<p>E\u0455t\u0430bl\u0456\u0455h\u0456ng th\u0435 \u0430m\u043eunt of \u0443\u043eur payment involves th\u0435 m\u0430n\u0443 factors l\u0456\u0455t\u0435d here, including evidence \u0456n your \u0441\u0430\u0455\u0435. An injury l\u0430w\u0443\u0435r \u0441\u0430n help you t\u043e \u0430m\u0430\u0455\u0455 and assert \u0455u\u0441h \u0435v\u0456d\u0435n\u0441\u0435 t\u043e \u0435m\u0440h\u0430\u0455\u0456z\u0435 the other driver\u2019s negligence and \u0443\u043eur \u043ewn injuries.&nbsp;<a href=\"https:\/\/dklaw.com\/contact\/\">C\u043ent\u0430\u0441t DK Law for a review \u043ef \u0443\u043eur case<\/a>. To r\u0435\u0441\u0435\u0456v\u0435 a fair \u0455\u0435ttl\u0435m\u0435nt, you m\u0430\u0443 w\u0430nt to engage a knowledgeable \u0456njur\u0443 l\u0430w\u0443\u0435r to h\u0430ndl\u0435 \u0443\u043eur negotiations w\u0456th \u0430n insurance \u0430dju\u0455t\u0435r.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/07\/michelle.jpeg);\"><\/div><div><p class=\"dklaw-author__block-about\">About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Michelle Lysengen<\/h4><h6><\/h6><p>Michelle is a content specialist at DK Law and creates content that highlights company events and breaks down complex legal topics into digestible, engaging content. She earned her B.A. in Marketing from California State University, Fullerton.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/in\/michelle-lysengen\/\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 9.41641 9.14414 10.4756V14.4865H6.62734V6.37168H9.04453V7.48066H9.07773C9.41308 6.84316 10.2365 6.16914 11.4617 6.16914C14.015 6.16914 14.4865 7.84922 14.4865 10.034V14.4865Z\" fill=\"#08368B\"\/><\/g><defs><clipPath id=\"clip0_5702_21335\"><rect width=\"17\" height=\"17\" fill=\"white\"\/><\/clipPath><\/defs><\/svg><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<div id=\"form\" style=\"--bg-image: url(\/wp-content\/themes\/dklaw\/img\/dklaw-form-bg.jpg);\" class=\"dklaw-section dklaw-cta dklaw-cta-form alignfull wp-block-dklaw-cta-form has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column dklaw-cta-form__bg-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading dklaw-cta-form__heading has-primary-white-color has-text-color\">DK <em>All the way<\/em><\/h2>\n\n\n<div 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